I get wanting that face-to-face reassurance, but honestly, I’ve found online-only insurers can be just as solid—sometimes even better on price and transparency. I used to think I needed an agent in-person, but after comparing quotes and actually reading through the policies (yeah, it’s a slog), I realized a lot of the “extras” were just fluff. Maybe it’s just me, but I’d rather save the cash and put in the research than pay more for a handshake. Anyone else feel like the old-school way is overrated?
I realized a lot of the “extras” were just fluff. Maybe it’s just me, but I’d rather save the cash and put in the research than pay more for a handshake.
I get where you’re coming from, but I’ll admit, for classic cars, I still lean toward the old-school agent route. Not every online insurer “gets” the quirks of insuring a ‘68 Mustang or a vintage Beetle—some of those blanket policies just don’t cut it for specialty rides. Have you actually tried getting agreed value coverage online? Curious if anyone’s had luck with that in Delaware, or if it’s still mostly the domain of niche brokers.
Never really thought about classic cars, but that’s a good point. I’ve only looked into regular coverage so far, and honestly, the online quotes seem all over the place. Has anyone actually compared how much more an agent charges for specialty stuff? I wonder if it’s really worth it or just hype.
I’ve actually gone down this rabbit hole with my old ‘79 Bronco. The online quotes for classic car insurance were all over the place, but when I talked to a local agent who specializes in collector cars, the price wasn’t as crazy as I expected. It was maybe 10-15% more than standard coverage, but the difference was in what you get—agreed value, better roadside, and they don’t freak out if you want to take it to a show or something.
Honestly, if your car’s just a daily driver, regular coverage is fine. But if you’ve got something rare or you’re putting money into restoration, the specialty stuff starts to make sense. Agents do charge a bit more sometimes, but it’s not just hype—there’s actual value if you care about the car. The only annoying part is having to call around and explain your situation over and over... but that’s Delaware insurance for you.
Yeah, I get what you mean about the specialty coverage. I was skeptical at first—felt like a money grab—but after seeing how regular insurance tried to lowball my friend’s payout on his old Mustang, I started to see the point. Still, the whole process is a pain... Delaware insurance just loves paperwork, huh?